Car Finance for Limited Company

What Car Finance Can Do for Your Limited Company

Vehicles are essential for many businesses. But buying outright can drain your cashflow. That’s why limited company car finance is a smart option.

You keep your working capital free. You spread the cost. And with the right deal, you could benefit from tax advantages too.

Whether you’re expanding your fleet or replacing a worn-out workhorse, we’ll help you get the right finance in place.

Real Help, Not Radio Silence

We know how hard it is to get a broker to take your business seriously — especially if you’re just starting out. A lot of firms won’t return your call unless you’ve got years of trading history.

That’s not us.

At First Oak Capital, we pick up the phone. We give limited companies the attention they deserve. If you’re ambitious and need finance to move forward, we’ll back you.

You’ll get honest advice. Fast answers. And access to lenders who understand what you’re trying to build.

What Can Car Finance Be Used For?

Car finance for a limited company can be used for:

• Company cars for directors or staff
• Commercial vans and pickup trucks
• Replacement vehicles for existing fleets
• Electric and hybrid vehicles
• Business-related vehicle upgrades

If it’s for your business, we can help you finance it.

Types of Car Finance for Limited Companies

Not every business needs the same solution. We’ll guide you through your options and explain what’s best for you.

1. Hire Purchase

Buy the vehicle in instalments. Own it outright at the end. Clear terms. Straightforward process.

2. Finance Lease

Pay to use the vehicle while your company benefits from the asset. At the end, either sell it or enter a secondary rental.

3. Contract Hire

Prefer to lease and return? Contract hire works like a long-term rental. Fixed monthly payments. No ownership risk.

4. Operating Lease

Lower monthly cost. Off-balance-sheet funding. Great for short-term use or rapid vehicle turnover.

5. Balloon Payment Structures

Smaller monthly payments with a larger final balance. Helps manage cashflow while keeping the vehicle.

How We Help You Secure Car Finance for Your Limited Company

You don’t have time to fill out endless applications or chase lenders who won’t call you back. That’s where we come in.

At First Oak Capital, we act on your behalf. We speak to the lenders. We prepare your paperwork. We present your business clearly and confidently so you’re more likely to get approved — and at a better rate.

Whether you’re buying a single vehicle or an entire fleet, we’ll explain your options and handle the admin. We also look at wider finance options — like cashflow loans or asset finance — to help you cover the cost of vehicles while keeping cash in the business.

Not sure what type of finance is right for your company car or van? No problem. That’s what we’re here for.

And if you want to explore more background on how business car finance works, here’s a great guide from Auto Express: Business car finance guide.

Car finance for limited company doesn’t have to follow just one path. And it’s our job to find the path that best suits you and your business needs.

What Makes First Oak Capital Different?

We’re not a call centre. We’re not an automated chatbot. We’re real people who care about helping UK businesses succeed — whether you’re just getting started or scaling up.

Here’s how we’re different:

• We understand the pressures and unpredictability business owners face

• We speak in plain English — no jargon, no fluff

• We move fast when timing matters most

• We offer honest advice based on real experience, not sales scripts

Most importantly, we don’t stop at “computer says no.”
If you’re turned down by a lender, we’ll tell you why — and what to do next. Often, there’s another lender or a better-fit product we can pivot to straight away.

As proud supporters of the National Association of Commercial Finance Brokers (NACFB), we uphold the highest standards in transparency, ethics, and client care — so you know you’re working with professionals who genuinely have your back.

You focus on your business. We’ll take care of the finance.

Ready to borrow smarter?

Click here to apply now or speak to one of our friendly brokers today.